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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,434 | $81,487-30.7% | $102,412-44.9% | $80,935-30.3% |
| Participation rate | 34.6% | 66.8%-32.2pp | 74.5%-39.9pp | 67.7%-33.0pp |
| Annual return | 3.26% | 25.60%-22.3pp | 24.94%-21.7pp | 35.66%-32.4pp |
| Employer contribution / active EE | $2,033 | $3,103-34.5% | $3,870-47.5% | $2,757-26.3% |
| Participant deferral / active EE | $4,462 | $3,871+15.3% | $5,060-11.8% | $4,299+3.8% |
| Admin fee / account holder | $2,191 | $6,717-67.4% | $8,388-73.9% | $6,924-68.4% |